rF Flat Fee Pricing and Features Comparison

Want To See A Sample Financial Plan with Our Flat Fee Structure?

Check Out How Each Tier of Service Works With This Video

prospective client brochure 2020

Our Flat Fee Pricing Structure

Straightforward. Simplified. Designed for You.

Our Most Popular Flat Fee Services

Gold Financial Plan

$5000
$5000
  • SS optimization plan
    We will evaluate your benefits, test the 1000s of strategies and advise you on your best filing strategies.
  • Expense and cashflow analysis
    Assistance in categorizing and analyzing expenses as well as an in-depth Cashflow analysis pre and post retirement.
  • Benefits analysis and optimization
    Review of employer benefits, such as health insurance, life insurance, disability insurance, stock purchase plans, HSA/FSA, Etc., to see if there are any optimization opportunities.
  • Retirement Plan/Account Analysis and Optimization
    Review and analysis of your 401k, 403b, IRA, Roth IRA, Pension, ect. to make sure that you are optimizing your benefits and then utilizing it effectively to produce income when needed.
  • Major purchase modeling
    Modeling home buy/sell transaction(s), cash-flow, downsizing, 2nd home, and other what-if scenarios.
  • Executive benefits optimization
    Optimize your plan for Stock option, restricted stock, phantom stock, SARs, deferred compensation, and/or other executive benefits.
  • "Non-traditional" investment transaction modeling
    This add-on is for people that need to model out non-traditional investments such as non-publically traded securities, rental properties, small business planning or buy/sell transactions; beyond simpler downsizing and/or vacation home.
  • College/education planning*
    Will illustrate and optimize college funding planning for all desired children/grandchildren. *Note that is not our College Selection & Funding Plan, which is a more comprehensive plan/process, however, this can be added to the Gold plan with a 50% discount.
  • Risk analysis and Survivorship Planning
    Life insurance, disability insurance, and/or long-term care insurance is tested/modeled for adequate risk mitigation and to investigate whether changes are desirable and/or necessary. Note that rF is Fee-only and sells no insurance products.
  • Investment review and recommendation*
    We will review your portfolios and recommend allocation changes as necessary to optimize your risk to reward profile. *Note that we do not provide individual security selection on Flat-fee plans, that is a service included in our Gold On-going service level.
  • Comprehensive tax planning and 1040 review
    Identify potential inefficiencies, model future tax liabilities, and recommend potential beneficial strategies. This also includes a review of your last two years tax returns by our in-house accountant, which will enhance plan accuracy and possibly even reveal opportunity for amendment(s) and immediate tax savings.
  • Complete estate planning*
    Complete review and planning; including simple estate documents from our in-house EP Navigator service. * You may also utilize our local estate planning firm partner for an additional $1000.**Limit, $2000 worth of attorney's fees.
  • Assignment of Lead Financial Advisor
    Our Lead Financial Advisors are all CFPs® and have at least 7yrs experience and are assisted by a Senior Financial Planner. Gold plans will be more closely overseen by a Senior Financial Advisor whose specialty most closely aligns with the clients' situation.
  • Upto 6 meetings for data gathering, plan review, & delivery
    Generally, there will be one data gathering meeting/webex, one to two draft plan meetings and one plan delivery & review meeting. We will also do up to two additional follow-up video/webconference meetings within 4 months of your plan delivery date to review your plan and make minor updates for changed circumstances.

Silver Financial Plan

$4000
$4000
  • SS optimization plan
    We will evaluate your benefits, test the 1000s of strategies and advise you on your best filing strategies.
  • Expense and cashflow analysis
    Assistance in categorizing and analyzing expenses as well as an in-depth Cashflow analysis pre and post retirement.
  • Benefits analysis and optimization
    Review of employer benefits, such as health insurance, life insurance, disability insurance, stock purchase plans, HSA/FSA, Etc., to see if there are any optimization opportunities.
  • Retirement Plan/Account Analysis and Optimization
    Review and analysis of your 401k, 403b, IRA, Roth IRA, Pension, ect. to make sure that you are optimizing your benefits and then utilizing it effectively to produce income when needed.
  • Major purchase modeling
    Modeling home buy/sell transaction(s), cash-flow, downsizing, 2nd home, and other what-if scenarios.
  • Executive benefits optimization
    Optimize your plan for Stock option, restricted stock, phantom stock, SARs, deferred compensation, and/or other executive benefits.
  • "Non-traditional" investment transaction modeling
    This add-on is for people that need to model out non-traditional investments such as non-publically traded securities, rental properties, small business planning or buy/sell transactions; beyond simpler downsizing and/or vacation home.
  • College/education planning*
    Will illustrate and optimize college funding planning for all desired children/grandchildren. *Note that is not our College Selection & Funding Plan, which is a more comprehensive plan/process, however, this can be added to the silver plan with a 50% discount.
  • Risk analysis and Survivorship Planning
    Life insurance, disability insurance, and/or long-term care insurance is tested/modeled for adequate risk mitigation and to investigate whether changes are desirable and/or necessary. Note that rF is Fee-only and sells no insurance products.
  • Investment review and recommendation*
    We will review your portfolios and recommend allocation changes as necessary to optimize your risk to reward profile. *Note that we do not provide individual security selection on Flat-fee plans, that is a service included in our Gold On-going service level.
  • Simple tax planning
    Identify potential inefficiencies, model future tax liabilities, and recommend potential beneficial strategies.
  • Simple estate planning/modeling*
    Illustration and modeling of estate scenario(s). *This does not include estate documents or legal advice.
  • Assignment of Lead Financial Advisor
    Our Lead Financial Advisors are all CFPs® and have at least 7yrs experience and are assisted by a Senior Financial Planner, as needed.
  • Upto 4 meetings for data gathering, plan review, & delivery
    Generally, there will be one data gathering meeting/webex, one draft plan meeting and one plan delivery & review meeting. We will also do up to one additional follow-up video/webconference meetings within 2 months of your plan delivery date to review your plan and make minor updates for changed circumstances.

Retirement Plan

$2500
$2500
  • SS optimization plan
    We will evaluate your benefits, test the 1000s of strategies and advise you on your best filing strategies.
  • Expense and cashflow analysis
    Assistance in categorizing and analyzing expenses as well as an in-depth Cashflow analysis pre and post retirement.
  • Benefits analysis and optimization
    Review of employer benefits, such as health insurance, life insurance, disability insurance, stock purchase plans, HSA/FSA, Etc., to see if there are any optimization opportunities.
  • Retirement Plan/Account Analysis and Optimization
    Review and analysis of your 401k, 403b, IRA, Roth IRA, Pension, ect. to make sure that you are optimizing your benefits and then utilizing it effectively to produce income when needed.
  • Major purchase modeling
    Modeling home buy/sell transaction(s), cash-flow, downsizing, 2nd home, and other what-if scenarios.
  • Optional executive benefits optimization*
    Optimize your plan for Stock option, restricted stock, phantom stock, SARs, deferred compensation, and/or other executive benefits. *This is an additional $1000 add-on.
  • Optional "non-traditional" investment transaction modeling*
    This add-on is for people that need to model out non-traditional investments such as non-publically traded securities, rental properties, small business planning or buy/sell transactions; beyond simpler downsizing and/or vacation home. *This add-on is an additional $500.
  • Assignment of Associate Financial Advisor
    Our Associate Financial Advisors are all CFPs® and have at least 5yrs experience and are assisted by a Lead Financial Planner, as needed.
  • Upto 3 meetings for data gathering, plan review, & delivery
    Generally, there will be one data gathering meeting/webex, one draft plan review and one plan delivery & review meeting.

College Selection and Funding Plan

$3000
$3000
  • Review of colleges and costs
    Help parents understand options, programs, costs of various college choices to narrow down choices to a deeper dive.
  • Analysis of individual student characteristics
    To identify opportunities and specific needs of the individual student so we can further hone in on the appropriate insitutions.
  • Calculation of EFC & Optimization
    Help to calculate EFC and then find strategies/opportunities to improve over time and ensure that we avoid any potential pitfalls.
  • Plan creation with recommendations
    Plan creation with summary of costs, options, and recommendations.
  • Assignment of Support Financial Advisor*
    Our Support Financial Advisors are all CFPs® and have at least 3yrs experience and are assisted by a Lead Financial Planner, as needed. *Or equivalently experienced paraplanner who specializes in College Planning/Counseling.
  • Up to 6 data gathering, plan delivery, & review meetings
    Usually this consists of 1-2 data gathering meetings, 1-2 draft plan meetings, 1 plan delivery meeting, and up to 2 review and implementation meetings within 12 months of plan start. *An additional year of updates, follow-up and implementation can be purchase for $1000/yr.

Student Loan Repayment Plan

$1500
$1500
  • Review of student loans
    Data collection of all student loans into our financial planning software so that we can do an in-depth analysis of all student loans.
  • Repayment analysis
    Testing to determine all permutations of potential repayment and then determine which repayment option(s) is/are optimal in various scenarios.
  • Testing for student loan forgiveness
    Test to see if loan forgiveness is available, whether it's desirable and educate you on the associated risks and benefits.
  • Strategy outline and implementation
    We will formalize your plan, outlining your various strategies, with recommendations and advice for implementing them.
  • Assignment of Support Financial Advisor*
    Our Support Financial Advisors are all CFPs® and have at least 3yrs experience and are assisted by a Lead Financial Planner, as needed. *Or equivalently experienced paraplanner who specializes in College Planning/Counseling.
  • Up to 3 data gathering, plan delivery, & review meetings
    Usually this consists of 1 data gathering meeting, 1 plan delivery meeting, and up to 1 review and implementation meetings within 2 months of plan delivery. *An additional year of updates, follow-up and implementation can be purchase for $250/yr.